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Our credit cards

Credit builder

Classic credit card

Our most popular card with over 4 million people accepted.

For people with bad credit or building credit.

34.9% APR

representative variable.

Our most popular card with over 4 million people accepted.

  • For people with bad credit or building credit
  • £200 - £1,500 credit limit
  • Up to two optional credit increases per year, subject to eligibility

Hints and tips:

To build your credit rating and potentially be eligible for credit limit increases, use your card sensibly by making your monthly minimum payment on time and staying below your credit limit. Not doing so could harm your credit rating. If you apply we'll run identity and fraud checks, which could stop us from opening your account.

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

Low rate transfers

Balance Plus

Low rate balance transfers, with no transfer fee

For people with an excellent credit rating

19.9% APR

representative variable

Low rate balance transfers, with no transfer fee

  • For people with an excellent credit rating
  • £2,000 - £12,000 credit limit
  • 6.94% p.a. variable on balance transfers
  • Transfer balances at any time for the same low rate and no fee

Hints and tips:

Always try and pay more than your minimum payment as paying only the minimum takes longer to pay off your balance and will cost your more money in the long run.

Representative Example: Assuming a credit limit of £1,200 and an interest rate on purchases of 19.94% p.a. variable, you will receive a 19.9% APR representative variable.